Update: Malta Removed from the Grey List — June 2022 Malta’s time on the FATF grey list turned out to be exactly a year. On June 17, 2022, the FATF formally removed Malta from its list of jurisdictions under increased monitoring, citing “significant progress” in addressing the strategic deficiencies identified in 2021. For the complete […]

I’m not a big fan of the extreme frugality that runs through much of the FIRE movement. The obsession with minimising every outgoing misses the point. Money is a tool, and using it well means spending it well — not just hoarding it. My approach is different. Think hard about your purchases, especially the big […]

Over the course of the past couple of years, I’ve learned to identify myself as a multipotentialite. I’ve known since my childhood that I was different from most people in that I had an insanely varied and ever-changing range of interests, but I never knew how to explain why. Reading recent books like Refuse to […]

I frequently get asked why I blog so regularly, especially in the age of Instagram, Twitter, Snapchat and all the other social media platforms that are all about short form and quickly digested content. In this post, I’ll explain why publishing my thoughts is by far the most rewarding activity for me online. A Lifelong […]

When searching for articles about investment and making money, you will surely come across many bloggers who publish their monthly income reports or also post net worth reports. I would recommend that you don’t pay too much attention to those numbers. I personally don’t care much about them. I used to follow many blogs that […]

FIRE stands for Financial Independence/Retire Early. It’s a term that was coined in the United States by personal finance bloggers who started to blog about their journeys of achieving financial independence with the aim of escaping the rat race and retiring earlier than the standard 60-65 age bracket. Obviously this is a hugely attractive proposition […]

I have a fairly structured morning routine that I’ve developed over the years. It used to go something like this before we had kids: Wake up and go to the toilet. Go back to bed for an HRV reading. Take a shower immediately. Brew a cup of coffee with coconut oil and do a ten-minute […]

I learned about chronotypes from sports sleep coach Nick Littlehales. While I’ve never had much trouble sleeping, I have struggled on and off with going to sleep and waking up at the right times. Your chronotype describes your sleeping characteristic – whether you’re a morning person or an evening person. Chronotypes are genetic traits and […]

One thing I’ve realized during the past 5 years or so is the mind-boggling amount of crap information that’s passed around as absolute truth. Of course, the arrival of the internet only hugely magnified this problem, so we live in an age where it can be extremely difficult to know what’s true and what’s not. […]

Update March 2026 — I’ve moved on from the dual-phone approach. These days I use a browser extension to strip the addictive elements out of social media instead. See: How I Stripped Social Media Down to What Actually Matters. Smartphone usage and social media have become very detrimental to our attention spans and the ability […]

My education has been quite extensive; built on these three pillars: University degrees (3 of them from two different universities) Countless courses at technical centers Lots of reading on my own By far the most valuable of the three was the reading I did on my own time and based on my interests and ambitions. […]